D. Different people look at future risks differently.
Explanation:
<em>Not everyone is committed to saving money for the future.</em> Though everyone knows how important it is to save money for retirement, <em>not all people can do it.</em> It is easier said than done. This is because "different people look at future risks differently."
Some people may constantly think about how they will become penniless if they stop working when they get older and this kind of thinking allows them to save money. On the contrary, other people would like to keep up with their lifestyle thus, cutting on saving for retirement. Most of the time, these people need to work until they grow older because they haven't saved enough money for their future.
